Click the logo above to directly access the Blue Cross Blue Shield of Louisiana website. Their customer service number is 1-800-392-4089.
At times you may have to pay out of pocket for medical services or for prescriptions, particularly if you have received services from a non-network provider. In the event that you do pay out of pocket for services, you can be reimbursed for these services. You will need to complete and submit a claim form and a copy of the invoice to the appropriate carrier. You may submit a claim form (see below) along with a copy of the invoice to your health insurance carrier. BCBS will then reimburse you according to the plan's guidelines.
The premiums are comparable to the other state health insurance plans; however, this plan's deductible will be higher. Once the plan member has satisfied the deductible, the plan will pay 80% of in-network eligible expenses.
The deductibles are as follows:
The Health Savings (HSA) will remain an option for participants under the CDHP plan. The HSA option will allow employees to make pre-tax contributions to a savings account. The HSA can be used to offset the deductible and the out of pocket medical expenses. The state will contribute $100 to each member’s HSA and will match up to $400 towards plan member’s contributions.
BlueCross and Blue Shield of Louisiana will administer the CDHP and Bankcorp Bank will provide the HSA associated with the plan beginning January 1, 2013. A plan member who decides to set up an HSA account with Bankcorp Bank must visit his or her agency’s human resources office to sign the necessary form, which is located in the miscellaneous documents section of the agency page on the OGB website, www.groupbenefits.org.
Unlike a health care flexible spending account (HC-FSA) with a use-it-or-lose-it provision, the HSA does not require the employee to spend all annual contributions. Instead, the money remains in the HSA and grows tax free from year to year. If the employee changes health plans or jobs, or retires, the employee still owns the entire balance of the HSA. From age 65 on, these HSA dollars can be used for any health care or non-health care expense with no penalty.
Please note - Employees who participate in the HSA option will not be able to participate in the Flexible Spending Account Program with Boon Chapman, Inc for the 2013 plan year.